NK Finance is a personal finance tracker for people who've outgrown a budgeting app but don't want a spreadsheet: net worth, assets & liabilities, budgeting, cash-flow forecasting, and a built-in debt payoff advisor (Snowball/Avalanche). Unlike Mint, YNAB, or Monarch, we never ask for your bank login — you enter your numbers yourself, and the Cloud Edition syncs via your own free Firebase project, not our servers. One-time purchase, no subscription. 5 editions, €3.99–€29.99.